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19/12/2025 Monitoring note EN

Class B and C Notes issued by BBVA Consumo 10 FT paid in full – Spanish Consumer ABS

Class B and Class C notes have been fully repaid.

18/12/2025 Rating announcement EN

Scope downgrades class A notes and affirms class B notes issued by POP NPLs 2020 S.r.l. – NPL ABS

The underlying portfolio is composed of secured and unsecured NPL loans originated by 15 Italian banks and serviced by Special Gardant S.p.A. and Fire S.p.A. as special servicers.

17/12/2025 Rating announcement EN

Scope rates AAA(SF) Lithuanian renovation loan notes issued by Vytis Reno Loans 2025-1 DAC

The EUR 160.5m underlying portfolio of apartment renovation loans was originated to individual apartment owners by UAB ILTE.

17/12/2025 Rating announcement EN

Scope upgrades Italian NPL Class A notes issued by Sirio SPV S.r.l.

The underlying portfolio is composed of secured and unsecured NPL loans.

17/12/2025 Rating announcement EN

Scope downgrades class A notes issued by Relais SPV S.r.l. – Italian non-performing lease ABS

The underlying portfolio is composed of non-performing leases originated by Unicredit Leasing S.p.A. and serviced by doValue S.p.A.

16/12/2025 Rating announcement EN

Scope downgrades class A and class B notes issued by Prisma SPV S.r.l. – Italian NPL ABS

The underlying portfolio is composed of secured and unsecured NPL loans originated by Unicredit S.p.A. and serviced by doValue S.p.A.

15/12/2025 Rating announcement EN

Scope downgrades class A and affirms class B notes issued by BCC NPLs 2020 S.r.l. - Italian NPL ABS

The underlying portfolio of secured and unsecured NPL loans was originated by 90 Italian banks and is serviced by doValue S.p.A. and doNext S.p.A.

11/12/2025 Rating announcement EN

Scope rates German solar and heat pump notes issued by Golden Ray S.A., Compartment 2

The EUR 302.9m underlying portfolio of solar and heat pump system loan receivables was originated to homeowners by Enpal B.V. and Enpal Heat GmbH.

11/12/2025 Rating announcement EN

Scope downgrades class A and affirms class B notes issued by BCC NPLs 2018 S.r.l. - Italian NPL ABS

The underlying portfolio of secured and unsecured NPL loans was originated by 23 Italian banks and is serviced by Master Gardant S.p.A. and Special Gardant S.p.A.

10/12/2025 Monitoring note EN

Scope has completed the periodic review of POP NPLs 2018 S.r.l. – Italian NPL ABS

This publication does not constitute a rating action.

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Class B and C Notes issued by BBVA Consumo 10 FT paid in full – Spanish Consumer ABS

Scope downgrades class A notes and affirms class B notes issued by POP NPLs 2020 S.r.l. – NPL ABS

Scope rates AAA(SF) Lithuanian renovation loan notes issued by Vytis Reno Loans 2025-1 DAC

Scope upgrades Italian NPL Class A notes issued by Sirio SPV S.r.l.

Scope downgrades class A notes issued by Relais SPV S.r.l. – Italian non-performing lease ABS

Scope downgrades class A and class B notes issued by Prisma SPV S.r.l. – Italian NPL ABS

Scope downgrades class A and affirms class B notes issued by BCC NPLs 2020 S.r.l. - Italian NPL ABS

Scope rates German solar and heat pump notes issued by Golden Ray S.A., Compartment 2

Scope downgrades class A and affirms class B notes issued by BCC NPLs 2018 S.r.l. - Italian NPL ABS

Scope has completed the periodic review of POP NPLs 2018 S.r.l. – Italian NPL ABS